Table of contents
How much is car insurance in Evans?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Evans are in line with rates across the rest of Georgia.
Similarly, Evans residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Evans is about $25 more expensive than the rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for Evans residents, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Evans and broken down the different factors to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Evans drivers may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Evans, where female drivers pay around $20 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Evans, a driving record with one accident will usually get you a rate around $121 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $119 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$108|
|15 Years or Older||$92|
In Evans, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $86 per month for insurance.
SUV owners will see rates of about $86, while truck and van owners usually pay around $124 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Evans are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$121|
On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Evans is no exception, with the difference totaling to around $54 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$127|
Your living situation is another component of how insurance companies calculate your monthly rate. In Evans, homeowners can expect to pay around $39 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Evans, GA
Recent trends in car insurance for Evans drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
Car insurance rates in Evans went up from 2016-2017, where they reached a high of $90, before leveling out in 2018. Insurance rates increased once again in 2019, and have continued rising through 2021, where they hit $252 a month.
How does Evans compare to neighboring areas?
Why are car insurance rates in Evans different from other areas?
Car insurance companies will take into account several factors when they're figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Road safety
- Local crime rates
- Community laws
- Off-street parking accessibility
- Total amount of drivers in the area
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Evans?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Evans.
Evans Insurance FAQs
What factors affect car insurance quotes in Evans?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Evans different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Evans?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Evans?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Evans or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.